Kathleen Kalosky is a financial advisor at Cetera with 23 years of industry experience. She holds a Series 63 credential and has been with Cetera since 2012. In addition to her advisory role, she manages Sullivan's Bookkeeping and Tax Service, which she has operated since 2000. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors and provides access to various investment strategies and third-party managers.

Stephen Vansuch is a CFP® professional with 31 years of experience in the financial services industry. He has worked at Stifel since 2023 and previously spent over two decades at Merrill and 12 years at Bank of America, N.A. Vansuch serves on the Investment Committee for St. Charles Borromeo Parish, providing general investment guidance. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach utilizes proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group to support asset allocation and financial planning.

Michael Holdford is a financial advisor at Edward Jones with 26 years of industry experience. He has been with Edward Jones since 2000 and holds a Series 63 designation. Outside of his advisory role, he is involved with MJ2 Holdings, a real estate business that leases office space back to Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Matthew Bower is a financial advisor with Cetera, holding a Series 66 designation and 24 years of industry experience. He has worked with Cetera and Cetera Investment Services LLC since 2014 and has been affiliated with First National Bank PA since 2009. Outside of his advisory work, he is involved in fixed life insurance sales and is eligible to receive referral fees from a trust department. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a range of portfolio management and consulting services through a nationwide network of independent advisors and provides access to both affiliated and unaffiliated third-party managers across various program structures.

Seth Littleton is a financial advisor at Edward Jones with one year of industry experience. He holds the Series 66 designation and previously worked at Transamerica and other diverse roles before joining Edward Jones. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers various advisory programs, including discretionary and non-discretionary strategies, tax-efficient services, and affiliated investment products.

Pete Stamatis is a financial advisor at OSAIC with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked for Signator Investors, Inc. and John Hancock Mutual Life Insurance Company over a 30-year period. Stamatis also conducts investment and insurance business under Signature Financial Group, LLC. OSAIC serves a broad clientele including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party solutions to construct diversified portfolios tailored to client risk tolerance and investment restrictions.

Alec Musolino is a financial advisor at Stifel with a Series 66 designation and one year of industry experience. Prior to joining Stifel Nicolaus & Company, Incorporated, he worked at Cintas Corporation for three years and has experience in educational roles at Kent State University and Struthers High School. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Sophia Schmidt is a financial advisor at Edward Jones in Hermitage, PA, holding a Series 66 designation with three years of industry experience. Prior to her current role, she spent time at Slippery Rock University Honors College and Hickory High School. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets, offering a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,000 financial advisors.

Zachary Byler is a financial advisor with Primerica Advisors in Youngstown, OH, holding Series 63 and Series 65 licenses and three years of industry experience. He has been with Primerica Financial Services since 2014 and previously operated Byler Elite Strength Training for ten years. Primerica Advisors sponsors a wrap-fee asset management program serving mainly individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery investment strategies managed by unaffiliated asset managers and supports trade execution and custody through established financial services partners.

Alexei Hartwick is a financial advisor at Raymond James Financial in Hermitage, PA, holding Series 63 and Series 66 licenses with one year of industry experience. Prior to his current role, he was affiliated with Ristvey Investment Group and Raymond James Financial Services, Inc. His background includes eight years at Youngstown State University and two years at Kennedy Catholic High School. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and risk profiling, and it supports municipal and public finance work through a unique municipal advisor affiliation.

Chrystal Swope is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 20 years of industry experience. She previously worked at Morgan Stanley Private Bank, N.A. for nine years before joining Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services grounded in an IPS-driven, modern portfolio theory approach. The firm serves institutional clients with a broad investment menu that includes insurance-related vehicles and bank deposit sweep options.

Karen Segesto is a Financial Advisor with Merrill Lynch Wealth Management, bringing over 35 years of experience in the financial services industry. Her professional background includes personal banking, lending, financial planning, and investment management. She utilizes the resources of the Merrill Lynch Wealth Management investment platform along with Bank of America's banking services to provide comprehensive financial support to her clients. Karen's approach emphasizes understanding her clients' goals, priorities, and aspirations to ensure the advice she provides aligns with both their short-term needs and long-term objectives. Her expertise encompasses family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, women and wealth, and retirement income. She holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Hiram College. In addition to her professional work, Karen is actively involved in her community. She serves on the Board of Youngstown Area Goodwill and is the Vice President and Co-Founder of Sight For All United. She is also a member of the Leadership Mahoning Valley Class of 2003. Her personal interests include cooking, reading, spending time with family, traveling, watching movies, writing, and practicing yoga.

Diane Gardner is a CFP® with 24 years of experience in the financial industry. She has been with LPL Financial since 2010. Gardner serves on the board of the Community Counseling Center of Mercer County. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions, supported by research and technology tools.

Ralph Fajack is a financial advisor at Stifel with 34 years of industry experience. He has been with Stifel since 2009 and holds Series 63 and Series 65 licenses. Stifel serves a wide range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology that uses forward-looking capital market assumptions and probabilistic modeling to guide asset allocation and financial planning.

Steven Hanousek is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 credential and 18 years of industry experience. He has been with Raymond James since 2017 and previously worked at Wells Fargo Clearing for eight years. Outside of advisory work, he owns a real estate investment LLC and operates a consulting agency focused on Medicare insurance options. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary advisory services using risk profiling and modeling tools, and supports municipal and public-finance work through its affiliation with a municipal advisor.

Lucas Rider is a financial advisor at Ameriprise with five years of experience in the industry. He previously worked at The Huntington Investment Company and Huntington National Bank. Rider holds Series 63 and Series 65 licenses and is based in Youngstown, Ohio. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a specialized retirement income service that provides written recommendations and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.

David English is a financial advisor at Edward Jones with 18 years of industry experience. He holds Series 63 and Series 66 designations and has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Michael Krisuk is a financial advisor with Ameriprise in Pulaski, PA, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is the owner and vice president of Diamond Strategic Solutions, a business used for bill payment and payroll management. Ameriprise offers retirement-income planning services primarily for individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored recommendation reports. The firm delivers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Kimberly Verini is a financial advisor with Wells Fargo Advisors who holds the Series 66 designation and has 20 years of industry experience. She has been with Wells Fargo Advisors Financial Network since 2026, following ten years at Wells Fargo Clearing and seven years at Wells Fargo Advisors LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutions. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs analysis, using proprietary research and tools to develop tailored client recommendations.

James Martin is a financial advisor at Ameriprise with 25 years of industry experience. He holds a Series 66 designation and previously worked at Raymond James Financial Services and Martin Financial Services for 14 years. Martin is also the owner of Martin Financial Group, LLC, where he manages his Ameriprise business. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.